Hi, first congrats on your pregnancy. It’s completely valid to be unsure about insurance coverage, especially as an international student.
Guard.me
does cover pregnancy care in many cases, but it depends on the
specific plan you have and when your coverage started. Some plans include prenatal visits, ultrasounds, lab work, and delivery, while others only cover emergency care or require extra maternity coverage. Often, pregnancy care has waiting periods or limits unless you have a specific package that includes maternity.
The best way to find out for sure is to:
- Check your policy documents – look for terms like maternity, prenatal care, obstetrics, pregnancy.
- Log in to your guard.me account online – they sometimes show covered services and benefits.
- Contact guard.me directly by phone or email and ask them:
- Are prenatal visits covered under my plan?
- Does my coverage include ultrasounds, labs, and delivery?
- Is there a waiting period for pregnancy-related care?
When you contact them, be ready with your student ID and policy number. If it turns out your current plan doesn’t cover maternity, ask if you can upgrade or buy additional pregnancy coverage.
You could also speak with your university’s international student office or health services — they usually help students understand insurance and can guide you on next steps.
If you want, tell me which guard.me plan you have and I’ll help interpret the benefits for you.